OneCard Metal vs SC Ultimate vs HDFC Tata Neu Plus
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | OneCard Metal | SC Ultimate | HDFC Tata Neu Plus |
|---|---|---|---|
| Bank | OneCard (FPL) | Standard Chartered | HDFC Bank |
| Card Type | Premium | Super Premium | Cashback |
| Annual Fee | Lifetime Free | ₹5,000 + GST | ₹499 + GST |
| Joining Fee | Nil | ₹5,000 + GST | ₹499 + GST |
| Rewards | 5X reward points on top 2 spend categories | 3.33% rewards value on all spends | 5% NeuCoins on Tata brands, 1.5% on others |
| Best For | Tech-Savvy Users | Luxury Travel | Tata Ecosystem |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | 10,000 reward points on first ₹20,000 spend | 500 NeuCoins on first txn |
| Min Income | ₹20,000/month | ₹1,00,000/month | ₹15,000/month |
| Lounge Access | 4 domestic per year | Unlimited domestic + international (Priority Pass) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.0% + GST | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Not available | Free | Free |
| Rating | 4.6 | 4.7 | 4.5 |
| Contactless | |||
| EMI Conversion |
Key Features
OneCard Metal
Tech-Savvy Users
Visa • Premium
- Metal card — no annual fee ever
- Auto-detects your top spend categories for 5X
- Real-time spend analytics in app
- Instant EMI conversion on any purchase
Our Pick
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
HDFC Tata Neu Plus
Tata Ecosystem
RuPay • Cashback
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
- Complimentary Zomato Gold for 3 months
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.